Chicago, IL · Cert 20226
FDIC · 1 branch
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Chicago, IL · Cert 20226
FDIC · 1 branch
Q1 2019
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2018 SOD (annual) · 0.0% share · #114 of 189 inst. · $0.2B of $398.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.63% | 0.95% | 0.74% | 0.78% | 0.76% | 0.78% | 0.57% | -18 bps | |
| Return on Equity | 3.67% | 3.56% | 5.39% | 4.30% | 4.52% | 4.36% | 4.46% | 3.16% | -114 bps | |
| Net Interest Margin | 3.23% | 3.19% | 3.02% | 3.08% | 3.02% | 3.00% | 2.95% | 3.19% | +11 bps | |
| Efficiency Ratio | 68.83% | 69.25% | 68.73% | 68.64% | 68.32% | 69.19% | 68.70% | 75.27% | +663 bps | |
| Non-Interest Burden | 2.11% | 2.10% | 1.97% | 2.00% | 1.95% | 1.97% | 1.93% | 2.33% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.99% | -1.40% | 0.46% | 9.27% | 10.83% | 0.52% | 0.23% | -3.43% | -1,270 bps | |
| Loan Growth (YoY) | -11.52% | -8.09% | -1.50% | -3.12% | 0.88% | 2.51% | 1.13% | -3.74% | -62 bps | |
| Deposit Growth (YoY) | -7.32% | -0.59% | 0.05% | 10.84% | 13.15% | 0.18% | -0.15% | -4.59% | -1,543 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.73% | 0.21% | 0.64% | 0.00% | 0.65% | 0.09% | 0.80% | +16 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0.04% | +5 bps | |
| Allowance / Loans | 1.48% | 1.52% | 1.50% | 1.45% | 1.49% | 1.49% | 1.49% | 1.50% | +5 bps | |
| Allowance Coverage of NPLs | 6.9x | 2.1x | 7.0x | 2.3x | n/a | 2.3x | 16.8x | 1.9x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.66% | 17.58% | 17.10% | 17.17% | 16.81% | 16.91% | 16.75% | 18.56% | +139 bps | |
| Total Risk-Based Capital | 22.78% | 23.12% | 23.25% | 22.79% | 23.06% | 22.96% | 23.28% | 23.68% | +88 bps | |
| Equity / Assets | 18.53% | 17.20% | 17.83% | 16.80% | 17.27% | 17.70% | 18.13% | 17.75% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.29% | 87.20% | 89.75% | 85.72% | 86.75% | 89.23% | 90.90% | 86.48% | +76 bps | |
| Liquid Assets / Assets | 16.01% | 22.92% | 21.15% | 23.87% | 23.54% | 21.74% | 20.48% | 23.87% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |